Interest Income on Loans | 29.74 | 24.93 | 20.24 | 20.47 | 22.06 | |
Interest Income on Investments | 9 | 9.45 | 9.3 | 6.03 | 6.14 | |
Total Interest Income | 38.73 | 34.37 | 29.55 | 26.51 | 28.19 | |
Interest Paid on Deposits | 11.6 | 7.97 | 2.32 | 2.5 | 3.85 | |
Interest Paid on Borrowings | 0 | 0.07 | 0.06 | 0.02 | 0.01 | |
Total Interest Expense | 11.61 | 8.05 | 2.38 | 2.52 | 3.86 | |
Net Interest Income | 27.13 | 26.33 | 27.17 | 23.99 | 24.34 | |
Net Interest Income Growth (YoY) | 3.03% | -3.08% | 13.24% | -1.43% | -6.62% | |
Gain (Loss) on Sale of Assets | - | - | 3.23 | - | - | |
Gain (Loss) on Sale of Investments | - | -6.3 | 0.01 | 0.02 | 0.1 | |
Other Non-Interest Income | 2.86 | 2.66 | 2.66 | 3.71 | 4.39 | |
Total Non-Interest Income | 3.47 | -3.03 | 6.51 | 4.29 | 5.08 | |
Non-Interest Income Growth (YoY) | - | - | 51.73% | -15.51% | 45.96% | |
Revenues Before Loan Losses | 30.6 | 23.3 | 33.67 | 28.28 | 29.41 | |
Provision for Loan Losses | 0.04 | 0.14 | 1 | -0.6 | 1.1 | |
Revenue | 30.56 | 23.16 | 32.67 | 28.88 | 28.31 | |
Revenue Growth (YoY) | 31.96% | -29.11% | 13.14% | 2.00% | -4.96% | |
Salaries and Employee Benefits | 12.53 | 12.1 | 12.31 | 11.71 | 11.32 | |
Occupancy Expenses | 2.41 | 2.75 | 2.54 | 1.54 | 2.31 | |
Federal Deposit Insurance | 0.56 | 0.63 | 0.4 | 0.43 | 0.26 | |
Selling, General & Administrative | 1.29 | 1.5 | 1.18 | 1.2 | 1.25 | |
Other Non-Interest Expense | 5.37 | 5.21 | 4.96 | 4.56 | 4.42 | |
Total Non-Interest Expense | 22.17 | 22.59 | 21.39 | 19.43 | 19.55 | |
EBT Excluding Unusual Items | 8.4 | 0.57 | 11.28 | 9.45 | 8.76 | |
Pretax Income | 8.4 | 0.62 | 12.85 | 9.45 | 9.06 | |
Income Tax Expense | 2 | -0.78 | 2.5 | 1.41 | 1.61 | |
Net Income | 6.4 | 1.4 | 10.35 | 8.04 | 7.45 | |
Net Income to Common | 6.4 | 1.4 | 10.35 | 8.04 | 7.45 | |
Net Income Growth | 358.57% | -86.52% | 28.70% | 7.85% | -23.48% | |
Basic Shares Outstanding | 3 | 3 | 4 | 4 | 4 | |
Diluted Shares Outstanding | 3 | 3 | 4 | 4 | 4 | |
Shares Change (YoY) | -0.12% | -0.37% | -0.97% | -0.59% | -0.43% | |
EPS (Basic) | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | |
EPS (Diluted) | 1.83 | 0.40 | 2.95 | 2.27 | 2.09 | |
EPS Growth | 359.14% | -86.47% | 29.96% | 8.48% | -23.15% | |
Dividend Per Share | 1.080 | 1.080 | 1.060 | 1.040 | 1.020 | |
Dividend Growth | - | 1.89% | 1.92% | 1.96% | 2.00% | |
Effective Tax Rate | 23.82% | - | 19.48% | 14.89% | 17.72% | |